We are not authorised to give financial advice, so this is not really something we can directly help you with. In fact, we're not really convinced that financial advice is even relevant in this situation. We don't believe that there is a 'magical' amount of payout that someone 'needs'. We believe that a better and more relevant question is:
What do you want to happen when you die?
Our deathwish process has been designed to help you answer this very personal question, and through answering this question, get to a payout amount that you're happy with, because it's based on your own individual wishes.